kupicoo / Getty Images Social Security is typically quite a bit less than your pre-retirement income (from around 28% for maximum earners to upwards of 79% for low earners, according to the SSA), but it may still be taxable. Explore More: Filing 2025 Taxes? Here’s the Social Security Threshold To Watch For in 2026 For You: 5 Low-Effort Ways To Make Passive Income (You Can Start This Week) Since no one wants to pay more in taxes than they have to, I asked ChatGPT how retirees can reduce taxes on their So ...